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Your Insurance Works Here — We'll Verify It Before Your Visit

We contact your insurance carrier directly and confirm exactly what you’ll owe — before you walk in the door. Delta Dental, Cigna, Aetna, MetLife, UnitedHealthcare, Humana, BlueCross BlueShield and most other major PPO plans accepted.

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Most dental benefits reset January 1st — don't lose the coverage you've already paid for. Unused benefits don't roll over.

Insurance Plans We Accept

We’re in-network with most major PPO carriers. If your plan isn’t listed, call our office — we accept many out-of-network plans and will maximize your benefits either way.

If you’re unsure about your coverage, our staff can quickly verify your benefits before your visit.

Out-of-network? We still help you get benefits.

Even if your carrier isn't listed, we'll submit claims on your behalf and work to maximize whatever out-of-network benefits your plan provides. Call us to check.

Frequently Asked Questions

Still have questions about your coverage, costs, or how our billing process works? Our front desk team is happy to help.

Quick Benefit Verification

Have your insurance card handy. Call us with your member ID and group number and we'll verify your benefits same-day — free of charge.

Does Richmond Dental Care accept my insurance?
Richmond Dental Care accepts most major PPO dental insurance plans, including Delta Dental, Cigna, Aetna, MetLife, UnitedHealthcare, Humana, BlueCross BlueShield, Guardian, Ameritas, Principal, Anthem, and many others. If you’re unsure, call our office and we’ll verify your benefits within minutes — at no charge.
Yes. Richmond Dental Care is in-network with Delta Dental PPO and Delta Dental Premier plans. Delta Dental is one of the most widely accepted plans we work with. If you have a Delta Dental plan, your preventive care (cleanings, exams, X-rays) is typically covered at 100%, and most other treatments are covered at standard PPO rates.
With proper care, a custom night guard typically lasts 3–5 years, depending on the severity of your grinding.
Yes. Richmond Dental Care accepts Aetna dental PPO plans. We work with Aetna to maximize your benefits on preventive, restorative, and specialty care services.
Original Medicare (Parts A & B) does not cover routine dental care such as cleanings, fillings, or extractions. However, many Medicare Advantage (Part C) plans include a dental benefit. If you have a Medicare Advantage plan with dental coverage, we may be able to accept it — call our office with your plan details and we’ll verify for you. We also offer our in-house membership plan as an affordable alternative for Medicare patients.
Richmond Dental Care accepts certain Texas Medicaid and CHIP dental plans, including plans administered through DentaQuest. Coverage may vary depending on your specific managed care plan. Please call our office with your Medicaid or CHIP plan information and we’ll confirm your eligibility and covered services before your appointment.
Yes. We accept UnitedHealthcare dental PPO plans. United Healthcare dental benefits typically cover preventive services at 100% and provide coverage for basic and major restorative procedures at standard rates. Call us to verify your specific plan.
Yes. We accept Humana dental PPO and some HMO plans at our Richmond, TX office. Call ahead with your member ID and we’ll verify your specific benefits.
A PPO (Preferred Provider Organization) dental plan gives you a network of dentists who have agreed to provide services at negotiated rates. When you visit an in-network dentist like Richmond Dental Care, your plan pays more of the cost. You can also see out-of-network dentists, but your costs will typically be higher. PPO plans generally cover preventive care at 100%, basic restorative at 70–80%, and major restorative at 50% after your deductible.
Even if Richmond Dental Care is out-of-network for your specific plan, you may still have out-of-network benefits. Many plans pay 50–80% of ‘usual and customary’ charges even for out-of-network providers. We’ll submit claims on your behalf and help you understand your reimbursement. Call us with your plan information and we’ll check.
The easiest way is to call our Richmond office directly. Give us your insurance carrier name, member ID, and group number (found on your insurance card), and our billing team will contact your carrier and verify your benefits — usually the same day or before your next appointment. This is a free service we provide for all patients.
Most dental plans reset their annual maximum on January 1st. If you’ve reached your annual maximum, you can either pay out-of-pocket for remaining treatment, wait until your benefits renew, or use our CareCredit financing or in-house payment plan to spread costs over time. Our team will help you plan your treatment schedule to maximize your benefits across benefit years.
Rinse with cool water after each use and brush gently with a soft toothbrush and mild soap. Avoid hot water — it can warp the material.
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What Does Dental Insurance Cover?

Most PPO dental plans follow a 100-80-50 structure. Here’s what that means for the services available at Richmond Dental Care in Richmond, TX.

We walk every patient through their specific plan before treatment begins — so you always know exactly what you’ll owe, with zero surprises at checkout.

Preventive Care

100% covered

Typically covered in full

Most plans cover 2 cleanings per year at no cost to you.

Basic Restorative

70–80% covered

After deductible

After your annual deductible is met, most plans cover the majority of basic procedures.

Major Restorative

50% covered

After deductible & waiting period

Some plans have a 6–12 month waiting period for major procedures. Ask us to check before scheduling.

Orthodontics

50% covered

Lifetime max may apply

Ortho coverage often has a separate lifetime maximum (typically $1,000–$2,000). We’ll check your specific plan.

Annual Maximum & Deductible — We Explain It All Before Your Visit

Most plans have an annual maximum benefit (typically $1,000–$2,000) and a deductible ($50–$150). We'll check your specific plan details and walk you through exactly what you'll owe before any procedure begins. No guessing, no surprises.

How to Use Your Insurance with us

We take the confusion out of dental insurance. Our team does the heavy lifting so you can focus on getting the care you need.

What to Bring

Book Your Appointment

Call our office or schedule online. Mention your insurance carrier when booking and we'll pull up your plan details immediately.

We Verify Your Benefits — Free

Before your visit, our billing team contacts your insurance carrier directly to confirm your coverage, deductible status, remaining annual maximum, and what's covered for your planned treatment.

You See Your Costs Upfront

We give you a clear cost breakdown before any procedure starts — what your insurance pays, what you pay, and any out-of-pocket amounts. Zero surprises at checkout.

We File Your Claims for You

After your visit, we submit the claim directly to your insurance company. You don't have to deal with paperwork — we handle it and follow up if needed.

Cherry Payment Plans

We believe everyone deserves quality dental care. If you don’t have insurance or your plan doesn’t cover a procedure, we have flexible options to make it work for your budget.

Instant approval — apply in under 60 seconds

0% APR promotional periods available

Flexible terms from 3 to 60 months

Soft credit check — won't hurt your score

All credit types considered

No prepayment penalties

Not Sure If We Accept Your Plan? We'll Check — Before Your Visit.

Our billing team contacts your insurance carrier directly, confirms your coverage, and tells you exactly what you’ll owe — all before you set foot in our office. No surprises, no hidden costs.